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Buying a house is a pretty big decision, but that doesn’t mean it has to be stressful. Our loan officers are some of the best around - they will guide you, answer your questions and get you into your home on your own terms. You can feel secure knowing that your loan will be underwritten by an experienced team of professionals that are local to our community. 

 

Meet our Team

Fixed Rate Mortgages

For homeowners seeking a predictable loan payment that does not fluctuate with interest rate changes and plan to stay in their home awhile. We offer a variety of different terms to meet your individual needs.

The finer points:

  • Interest rate stays the same for the life of the loan
  • A longer term loan allows you to establish a lower monthly payment
  • A shorter term loan allows you to pay off your loan faster.

Start Application Now

To learn more, please visit a branch or give one of our mortgage loan officers a call.

Rates effective as of: September 23, 2019

TERM                                              Description RATE WITH 25% DOWN  POINTS APR WITH 25% DOWN # of Monthly Payments  Monthly Payment per $1,000 borrowed
30 Year Fixed Rate 1 Conforming up to $484,350 3.875% 0.000 3.931% 360 $4.70
20 Year Fixed Rate 1 Conforming up to $484,350 3.625% 0.000 3.700% 240 $5.86
15 Year Fixed Rate 1 Conforming up to $484,350 3.250% 0.000 3.381% 180 $7.03
10 Year Fixed Rate 1 Conforming up to $484,350 3.250% 0.000 3.671% 120 $9.77
30 Year Fixed Rate Jumbo - Purchase Special ³ From $484,351 – $2,000,000 3.625% 0.000 3.671% 360 $4.56
30 Year Fixed Rate Jumbo 2,4 From $484,351 – $2,000,000 3.875% 0.000 3.917% 360 $4.70
20 Year Fixed Rate Jumbo 2 From $484,351 – $2,000,000 3.875% 0.000 3.933% 240 $5.99
15 Year Fixed Rate Jumbo 2,4 From $484,351 – $2,000,000 3.500% 0.000 3.568% 180 $7.15
10 Year Fixed Rate Jumbo 2 From $484,351 – $2,000,000 3.625% 0.000 3.728% 120 $9.95
 

Payment amounts on the above products do not include taxes and insurance. Your payments may be greater.

1Conforming Fixed rates above are based upon a loan amount of $350,000, 1 unit, primary residence, purchase or rate and term with a loan to value of 75% or less and FICO Score 740 or greater for a 45 day rate lock period. Rates may vary based on other scenarios.

2Jumbo Fixed rates above are based upon a loan amount of $688,851 for a 1 unit, primary residence, purchase or rate and term with a loan to value of 75% or less and FICO Score 740 or greater for a 45 day rate lock period. Rates may vary based on other scenarios.

³ Purchase Special rate  is based upon a loan amount of $484,351 for a 1 unit, primary residence, purchase with a loan to value of 75% or less and FICO Score 740 or greater for a 60 day rate lock period.  Rates may vary based on other scenarios.

4County minimum loan limit restrictions may apply.

Annual Percentage Rate (APR) is based on a primary residence property. All rates subject to change without notice. Subject to credit approval. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes; and the consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.

 

Adjustable Rate Mortgages (ARM)

This type of mortgage is best suited for homeowners who are looking to maximize an initial lower monthly payment or plan to move in a few years.

The finer points:

  • Interest rate and monthly principal and interest payment stays the same for an initial period of time (such as 5, 7, or 10 years) then your payment will move up or down annually as interest rates fluctuate (the variable portion)
  • The interest rate at the beginning of the loan may be lower than a fixed rate mortgage

Start Application Now

To learn more, please visit a branch or give one of our mortgage loan officers a call.

Rates effective as of: September 23, 2019

The following adjustable rate programs are based on a 30 year term.  The rate may increase after the initial period.

PRODUCT              Description TERM Initial Interest Rate FULLY INDEXED RATE
POINTS APR MONTHLY PAYMENT PER $1,000 Borrowed
5/1 ARM Conforming Conforming up to $484,350 30 years 3.625%

4.500%

0.000 4.239% 60 payments of $4.56

300 payments of $5.00
5/1 ARM Jumbo 1 From $484,351 to $2,000,000 30 years 3.625%

4.500%

0.000 4.225% 60 payments of $4.56

300 payments of $5.00
7/1 ARM Conforming Conforming up to $484,350 30 years 3.500%

4.500%

0.000 4.080% 84 payments of $4.49

276 payments of $4.95
7/1 ARM - Purchase Special ³ up to $2,000,000 30 years 3.250%

 4.500%

0.000 3.955% 84 payments of $4.35

276 payments of $4.92
7/1 ARM Jumbo 1 From $484,351 to $2,000,000 30 years 3.500%

4.500%

0.000 4.066% 84 payments of $4.49

276 payments of $4.95
10/1 ARM Conforming Conforming up to $484,350 30 years 3.625%

4.375%

0.000 3.966% 120 payments of $4.56

240 payments of $4.87
10/1 ARM - Purchase Special 2 up to $2,000,000 30 years 3.500%

4.500%

0.000 3.929% 120 payments of $4.49

240 payments of $4.90
 10/1 ARM Jumbo 1 From $484,351 to $2,000,000 30 years 3.750%

 4.500%

 0.000 4.076%  120 payments of $4.63

240 payments of $4.94
 

Payment amounts on the above products do not include taxes and insurance. Your payments may be greater.

Adjustable Rate Mortgage Rates are based on a 1 unit, primary residence, purchase or rate and term with a loan amount of $350,000 for Conforming or a loan amount of $688,851 for Jumbo, a loan to value of 75% or less and FICO Score 740 or greater for a 45 day rate lock period. Rates may vary based on other scenarios.  All rates subject to change without notice. Subject to credit approval. The interest rate on adjustable rate programs may increase after the initial period. The fully-indexed rate is equal to a margin plus the index. Please ask us about the current index and margin for these products.

1County minimum loan limit restrictions may apply.

2Purchase Special ARM rate above is based upon a loan amount of $484,351 for a 1 unit, primary residence, purchase with a loan to value of 80% or less and FICO Score 680 or greater for 60 day rate lock period. Rates may vary based on other scenarios.

Annual Percentage Rate (APR) is based on a primary residence property. All rates subject to change without notice. Subject to credit approval. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes; and the consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.

First Time Home Buyer Programs

We offer both financing options and educational assistance to make the process easy for first time home buyers.

  • Variety of programs offered, including those for first time home buyers with low to moderate incomes
  • Massachusetts Housing Partnership ONE Mortgage and Mass Housing Finance Agency mortgages include low fixed-rate financing for those who qualify

Learn More

Other Mortgage Programs

Sometimes customers have unique borrowing needs; our loan officers are equipped with additional programs and have the expertise to help you find the solution that best fits your needs.

  • Affordable Home Loan Programs
  • Construction Loans
  • Combination Mortgages
  • Up to 100% Financing with no Private Mortgage Insurance (PMI)

Visit a branch or give one of our mortgage loan officers a call to apply today.

View our complete list of all of our mortgage loan officer names and identifier numbers.

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